Two complimentary single entry Lounge eVouchers each year when you spend $30,000

Two complimentary single entry Lounge eVouchers for every $30,000 spent on your card in each year. The maximum number of Lounge eVouchers that can be earned in each 12-month period will be four ie two pairs

Two complimentary single entry Lounge eVouchers each year when you spend $30,000

Two complimentary single entry Lounge eVouchers for every $30,000 spent on your card in each year. The maximum number of Lounge eVouchers that can be earned in each 12-month period will be four ie two pairs

Built-in travel insurance5

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Interest rates are subject to change.

1Waived for the first year for Tertiary or Graduate Pack customers taking up a Kiwibank Credit Card for the first time.

2We’ll waive this fee if you’ve an outstanding home loan balance or deposits of $150,000 or more with Kiwibank on the fee assessment date.

3Interest free period applies provided you pay off your entire balance each month by the due date. Interest free period doesn't apply to cash advances or balance transfers.

4In light of COVID-19, single use Air New Zealand Lounge eVouchers will be extended by six months. eVouchers with an original expiry date between 1 March 2020 and 28 February 2021 will be extended by six months from the original expiry date. You'll be able to see this in your Air New Zealand mobile app or myairnz on airnewzealand.co.nz.

5Built-in overseas travel insurance is arranged by Kiwibank and issued by Tower Insurance Limited and Tower Insurance Limited is solely responsible for any claim under the policy.

Service fees

Cash advance fee

When you withdraw cash or transfer money from your credit card account.

Internet banking or mobile app

Free.

Cash advance in New Zealand - ATM or staff assisted

$0.90 per transaction.

Cash advance overseas - ATM or staff assisted

$6 per transaction.

International transaction fee

When you use your credit card for a foreign currency transaction.

1.85% of the New Zealand dollar amount once converted.

Investigation fee

When you ask us to investigate something about your credit card account.

$60 per hour. Minimum fee $15.

Late payment fee

When your minimum payment isn’t received by us on or before the payment date shown in your monthly statement.

$5 per late payment.

Please note when your monthly statement shows an amount due immediately, any payment you make will be applied to this amount before being applied to your minimum payment. This means that you must pay both amounts to avoid being charged this fee.

Replacement card fee

When you ask us for a replacement credit card.

$9.50 per request.

Urgent card delivery fee – in New Zealand

Courier charge for urgent delivery of a credit card in New Zealand

$2.60 per delivery.

Urgent card delivery fee – International

Courier charge for urgent delivery of a credit card worldwide

Price on application.

Limits

Maximum amount for cash advance

The maximum amount that you can withdraw or transfer from your credit card account.

$5,000 per day over the counter from banks and financial institutions, and via internet banking (limited to two withdrawals per day).

Kiwibank Platinum Visa / Mastercard® Gold

$3,000 per day from ATMs (limited to five withdrawals per day).

$7,500 per day over the counter from banks and financial institutions, and via internet banking (limited to two withdrawals per day).

Air New Zealand Airpoints Platinum Visa / Mastercard®

$3,000 per day from ATMs (limited to five withdrawals per day).

$7,500 per day over the counter from banks and financial institutions, and via internet banking (limited to ten withdrawals per day).

Contactless transactions

For purchases up to $200 in New Zealand, just tap your card on the reader to make a purchase. For purchases over $200, you can still tap your card, but you’ll need to sign or enter your PIN to complete the transaction. Different transaction limits may apply overseas.

Minimum payments

The minimum payment is either 5% of the closing balance of your monthly statement or $10, whichever is greater. You're not required to make a minimum payment if your closing balance is less than $10 (unless we specifically ask you to) or a credit amount. Minimum payments must be made each month (if required) on or before the payment due date shown on your statement.

You may at any time make additional payments over and above your minimum payments. You can make payments to your credit card account in any of the following ways:

Kiwibank is the issuer of the Air New Zealand Airpoints credit cards. Airpoints terms and conditions apply. See airpoints.co.nz for details.

Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

A day is from 12:00 midnight to 12:00 midnight, New Zealand time.

Travel Insurance for eligible Kiwibank Credit Cards is provided by Tower Insurance Limited. Tower Insurance Limited is the only organisation responsible for claims under the policy. If you arrange your insurance through Kiwibank, you need to know that Kiwibank Limited doesn’t guarantee the obligations of, or any products issued by, Tower Insurance Limited. Important terms, conditions and exclusions are set out in the Travel Insurance for Kiwibank Credit Cards Policy wording(PDF 204.2 KB).